Last updated: May 2026

Wave Is Free. Your Payments Should Be Too.

PaySec eliminates the 2.9% + $0.60 that Wave Payments charges on every card transaction. Same easy invoicing. Zero fees.

Get Started — No Minimums →

Wave Payments Costs Add Up

Monthly InvoicingWave Annual CostPaySec Annual Cost
$8,000$2,472~$0
$15,000$4,500~$0
$30,000$9,000~$0

For solopreneurs, $2,500-$9,000 is a laptop, a conference, or a month of runway.


The Zero-Cost Stack

ComponentCost
Wave Accounting$0
PaySec Processing$0
Total financial tools$0

Works with Wave

Invoice payment links with dual pricing
Recurring billing
Client payment portal
Bank reconciliation
No developer needed

Setup: 20 Minutes

  1. Sign up for PaySec (no minimums)
  2. Connect your Wave account
  3. Send invoices with zero-fee payment links
  4. Keep every dollar

No contracts. No monthly fees. No catches.

Get Started — No Minimums →

For solopreneurs and micro-businesses who chose Wave because every dollar matters.

Ready to Save on Processing?

Apply in minutes, get approved in 48 hours.

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